Vapers can now get cheaper Life Insurance

There has been a lot
of debate in the insurance industry about whether or not
e cigarette smokers are
‘real’ smokers or not. We all know that smoking is bad for your health, that
isn’t in debate, but there is still a lot of uncertainty about how good
e-cigarettes are when compared to traditional cigarettes.

When it comes to
insurance, insurers are always cautious of anything that affects someone’s
health. Smoking is a big deal when it comes to insurance. You could be fit as a
fiddle, but if you smoke, insurers will automatically increase your premiums
(often around double the amount).

What is a smoker?

Most insurers class
someone as a smoker if they have used any of the following products, in the
last 12 months:

Pipe tobacco

Cigarettes

E-Cigarettes

Cigars

Nicotine gum and patches

Tobacco use for cannabis smoking

Snuff or chewing tobacco

What about e-cigs?

Many insurers still
class vapers, who are using nicotine based e-cigarettes, as smokers. There is
the belief that the use of any nicotine, makes you more likely to progress
towards using tobacco based products.

But, there are some
forward-thinking insurers who are looking to step away from this view.

Cheaper insurance premiums for e-cig users

One insurer has made
big strides in changing the way vaping and e-cigs are viewed when it comes to
insurance. They see that e-cigarettes do not contain all the rubbish that you
get with traditional tobacco products, and are a much healthier option, as far
as current research suggests.

The appeal for fair premiums for e-cig users is
certainly going in the right direction, and it is now possible to arrange Life
Insurance (and critical illness cover) at very near to non-smoker rates!

The
price difference

Insurance premiums are calculated by a number
of factors including your age, smoker status, BMI, health, family medical
history, occupation, hobbies and travel. It’s not possible to give a one price
fits all answer, so here is a basic example to show you the difference.

A 32 year old office administrator looking for
£150,000 Life Insurance or Critical Illness Cover, over 25 years, could access
the following premiums:

Insurance

E-cig Rates

Smoker Rates

Life Insurance

£8.74pm

£13.92pm

Life Insurance and Critical Illness Cover

£42.32pm

£69.82pm

The saving that vapers could make by
switching to a policy that classes them as a non-smoker (or close to), can be
huge. *

TESTIMONIALS

Really impressed with the build of the series 7, does the job excellent battery life and the dry herb vape is great, two weeks smoke free so far one more week and it's paid for it's self. Just as well as I'm going to need a new e liquid chamber before long.

Nick R

Very impressed with the quality of the V2 pro 3, vapour throat hit and I haven't touched a cigarette for almost a month now...

Ming

This is my third time getting my supply from V2 UK, the most recent being the V2 Pro S3. They have the best customer service around, fast delivery and great products...

Reno

I have purchased three Long Batteries (manual and automatic) so far and I must admit these are THE BEST cigalikes I have ever tried...

Ash

Very impressed, as a heavy tobacco smoker for over 20 years I have not felt the need for a normal roll-up The e liquid V2 Red is very good...

Wayne

I recommend you buy the cartridge pack that contains 10 different flavours, those cartridges will give you insight on which flavours you will stick to for a long time...

Rhodes

It's now three weeks since I stopped smoking tobacco and it's all down to this shisha pen! It has a good throat hit, produces lots of vapour and is really smooth...

Lily

I've been vaping v2 for 3 years, half way through I tried to find an alternative I could buy locally without post, just pop in and pick up, an expensive exercise but none lived upto the smooth flavour and I tried from cheap to expensive, but there were none that compared to V2.

Natalie A

YOU MUST BE OVER THE AGE OF 18 YEARS TO BUY AND/ OR USE ANY VAPOUR2 OR V2 E-CIGS PRODUCT. Nicotine is a highly addictive substance derived from the tobacco plant, and V2 e-Cigs are not a cessation device. The products on this website do not treat, diagnose, or cure any disease, physical ailment, or condition and should not be used by anyone in conflict with applicable local law. If you are allergic to nicotine, propylene glycol or any combination of inhalants, if you are pregnant or breastfeeding, or if you have a heart-condition, diabetes, high blood pressure or asthma, you should consult your doctor before using Vapour2 nicotine products. E-liquid should not be swallowed, seek medical help if this occurs. Wash with warm soapy water if e liquid skin contact occurs. Lifetime warranty on batteries only applies in the USA.